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Trailer Financing

Finance the trailers that move your freight — dry vans, reefers, flatbeds, and specialty units — with competitive rates and fast approvals.

What is Trailer Financing?

Trailers are the earning half of many trucking operations, and financing them separately keeps your capital flexible as freight demands change.

TruCapital finances every trailer type for Canadian carriers and owner-operators, from a single dry van to a full spec’d reefer fleet, new or used.

Who this service is for

Carriers adding capacity for new lanes
Owner-operators matching a trailer to their tractor
Fleets replacing aging trailers
Businesses needing specialty or reefer units

How it works

1

Choose your trailer

Select the dry van, reefer, flatbed, or specialty unit you need.

2

Apply and pre-approve

We return a tailored pre-approval, often within 24–48 hours.

3

Set your terms

Pick a term and payment that fit your operation.

4

Get rolling

We fund the purchase and your trailer goes to work.

Documents required

To keep your approval fast, have these ready when you apply:

Government-issued photo ID
Business registration
Recent bank statements
Trailer details and seller invoice

Benefits of financing with TruCapital

Fast pre-approvals — most decisions in 24–48 hours
All credit types welcome, including past challenges
Low or no down payment options on approved credit
Access to top banks and private lenders in one place
Transparent terms with no hidden fees
Dedicated advisor from first call to funding and beyond

Common financing scenarios

New lane

A carrier wins a reefer lane and finances two refrigerated trailers to start hauling within the week.

Match the tractor

An owner-operator finances a flatbed to pair with their tractor and access higher-paying freight.

Frequently asked questions

What trailer types can I finance?

Dry vans, reefers, flatbeds, step decks, dumps, and specialty trailers — new or used.

Can I finance a trailer separately from my truck?

Yes. Financing trailers on their own keeps your capital flexible and your approvals simple.

Do you finance used trailers?

Yes, including older units, with terms based on the trailer and your profile.

Is 0% down available?

0% down is available on approved credit for qualifying trailers.

Get Started

Ready to move forward with Trailer Financing?

Book a free consultation with a TruCapital advisor and get a tailored pre-approval — fast, transparent, and built for your business.